With a low interest credit card from PGAFCU, you can move multiple credit card balances to just one card. This can help to manage your bills and keep track of only one credit card payment each month instead of 2 or 3! Paying less in interest and fees will get you on the path to financial steadiness.

The PGAFCU Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between scholarships and federal loans and the cost of education expenses. The loan offers simple repayment options and allows students to borrow up to 100 percent of school certified education costs (minimum $1,000). It offers competitive interest rates and there are no origination or disbursement fees for students attending degree-granting institutions. Plus, applying with a creditworthy cosigner may lower the interest rate – and gives a better chance of approval. PGAFCU, Sallie Mae and you. Together we can do this.

1.877.428.6847 5935 S. Zang Street, Ste 220 Littleton, CO 80127www.1stmtgs.com Since 2002, our mortgage partner, 1st Mortgages, has partnered with credit unions in Colorado, Arizona, Kansas, Utah, Nebraska, Iowa, Illinois, Texas and Wyoming. This partnership has made us acutely aware that choosing the right mortgage partner for our members is a vitally important decision. We always strive to set the standard for our members and 1st Mortgages has built a proven and time tested portfolio of lending options that allows it to customize the level of service that best fits member needs. Our dedication to providing the highest level of service is the cornerstone of our success which is why we choose to partner with 1st Mortgages.

15 year or 30 year Mortgages

First Time Home Buyers

FHA/VA

Refinancing

More!

Regulated by: the Division of Real Estate (CO) ∙ the Arizona Department of Financial Institutions (AZ) AZ# 0913361 ∙ the Office of the State Bank Commissioner (KS) Kansas Licensed Mortgage Company License No. MC0025226 ∙ the Wyoming Division of Banking (WY) WY# 2277 – We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. – NMLS# 109995

Will your insurance pay-off your loan if your vehicle is deemed a total loss? Don’t find out the hard way!

Why buy GAP Insurance?

GAP helps pay off your remaining loan/lease balance if your vehicle is stolen or damaged and is deemed to be a total loss.

GAP helps clear your credit, allowing you to start fresh with a new vehicle.

GAP is inexpensive when you purchase through your credit union and it can be included as a small addition to your monthly payment.

What is GAP? GAP is Guaranteed Auto Protection. It helps cover the difference between the actual cash value of the vehicle (primary insurance company settlement) and the outstanding loan balance at the time of loss.

What does GAP NOT Cover?

Any refundable additions to the loan amount such as Service Contracts and Other insurance

More than 2 delinquent payments

Late charges, fees, extensions, or other money added to the loan after inception

Any portion of the loan, at loan inception, that exceeded 150% of MSRP (new vehicles) or 150% of NADA average retail book value (used vehicles)

Interest accrued after the date of loss

Can GAP be purchased after loan origination? Yes, they can purchase GAP anytime after loan origination as long as they have not experienced a total loss due to collision or theft. However, it is not retroactive and the coverage goes into effect the day the GAP is purchased and covers the remaining term and balance.

More Details Call your local branch for more information or to purchase GAP insurance for your vehicle.

If you are using assistive technology such as screen readers and screen magnifiers and are having problems using this website, please contact us at 1-800-831-3916 or service@pgafcu.org and we will be happy to provide any information you have inquiries about.

APY = Annual Percentage Yield

Federally insured by NCUA. APY and availability subject to change without advance notice. **Penalty for early withdrawal.

APR = Annual Percentage Rate

Rates are based on approved credit. Rates are subject to change without notice.